To all of my REALTOR friends who have clients wanting the BMO 2.99% product … BMO is offering max 25 yr am, term is fully closed, no refi’s or early renewals, IRD is typically a min of 4%, lower prepayment options, less payment frequency options. So much for their tag line Get Home Free Faster! Clients have already reported that the restrictive terms have not been fully disclosed to them. Home Trust has a great 2.99% product without restrictions & 20/20 prepayment privileges right now (deals must fund by June 30th, 2014)! Call a Dominion Lending Centres agent for more details if you have clients wanting a 2.99% rate as it’s exclusive to Dominion Lending Centres..